John has a history of severe leg pain. He applies for disability income coverage. The insurer may add an impairment rider. What usually determines whether a policy will be issued with an impairment rider?

The decision to add an impairment rider to a disability income coverage policy typically depends on the specifics of the medical condition causing the impairment, the severity of the impairment, the expected duration of the impairment, and the individual’s ability to return to work. The insurance provider will evaluate each of these factors to determine if the policyholder is eligible for the additional coverage.